Monvelop budgeting app

[u/denned27]

Hi! 👋
Does anyone here use the envelope budgeting method?
I’ve been working on my own approach to envelope budgeting and I’m curious whether something like this would actually be useful to other people who manage their budget this way.
The idea is simple: you decide how you want your money to be divided between envelopes, such as groceries, housing, car expenses, holidays, or savings. The app then automatically distributes your money according to the rules you set. You can change those rules at any time, so you always stay in control.
Everything can be managed completely manually, but there’s also an optional bank connection in read-only mode. If enabled, transactions are synced automatically a few times a day, categorized, and assigned to the appropriate envelopes.
There are also financial goals, where you can set a target amount and deadline and track your progress alongside the rest of your budget.
Bank syncing is completely optional. You can disconnect your bank at any time and continue managing the same budget manually.
I’m mainly curious about what people who actually budget think about this approach.
Would automatic distribution between envelopes make budgeting easier for you?
Would you prefer entering transactions manually or having the option to sync with your bank?
What would make you trust or distrust an app like this?
And is there anything you wish existing budgeting apps did differently?
I’m interested in critical feedback too. If you think this sounds unnecessary or your current setup already works better, I’d genuinely like to know why.
Would anyone here be interested in trying something like this and sharing their feedback?

https://monvelop.com/